awol
Well-known member
It' s a bad time of year for my finances with the outgoings creating "misery", according to the Mr Micawber definition referred to months instead of years. To add to the pressures, my insurance company has chipped in with their renewal notice compounded with "modernisation" of the policy which degrades its utility to me while increasing the cruising area to places I can't even envisage visiting. The premium hasn't risen exorbitantly but I thought I would shop around anyway. Compare-boat-insurance.co.uk managed to find 25 companies who declined to quote - swinging mooring, racing, single-handed and a value greater than the purchase price (18 years ago) is not a good mix apparently; and the brokers whose policies I could find all seem to want a survey.
The cost of a survey appears to be about £20/ft which amounts to more than the annual renewal cost from my existing insurers. How does anyone ever change insurers? Is it only when your insurer demands a survey (which mine hasn't) that it makes sense to shop around?
Ah well, at least my existing broker is open to adjusting the Ts&Cs to match what I think I need . I'm also awaiting their definition of "club racing" - does that cover any races organised by clubs of which I am a member even when they are Open events; races organised by other clubs; Olympic games (if I was eligible); ????
The cost of a survey appears to be about £20/ft which amounts to more than the annual renewal cost from my existing insurers. How does anyone ever change insurers? Is it only when your insurer demands a survey (which mine hasn't) that it makes sense to shop around?
Ah well, at least my existing broker is open to adjusting the Ts&Cs to match what I think I need . I'm also awaiting their definition of "club racing" - does that cover any races organised by clubs of which I am a member even when they are Open events; races organised by other clubs; Olympic games (if I was eligible); ????
